Rates

APY = Annual Percentage Yield. APR = Annual Percentage Rate
Rates and APYs accurate as of November 1, 2023.
Rates and rewards are variable and may change after account is opened.
Fees may reduce earnings.

Free Kasasa Cash Checking

BalanceAPY
Up to $10,0003.00%
$10,000 and up3.00% - 0.25%

Free Kasasa Saver

BalanceAPY
Up to $25,0004.00%
$25,000 and up4.00% - 0.25%

Regular Savings

TypeAPY
Regular Share Accounts0.05%
Secured Share Accounts0.05%

Money Market Checking/Savings Accounts

AmountCurrent RateAPY
$2,000 - $9,999.990.20%0.20%
$10,000 - $24,999.990.25%0.25%
$25,000 - $49,999.990.30%0.30%
$50,000 - $149,999.990.40%0.40%
$150,000 +0.50%0.50%

Certificate Accounts

TermCurrent RateAPY
3 month - 60 month2.96-3.92%3.00-4.00%

Traditional & Roth IRA Savings

TypeCurrent RateAPY
$0 - $2,499.990.25%0.25%
$2,500 - $9.999.990.30%0.30%
$10,000 - $24,999.990.40%0.40%
$25,000 - $49,999.990.50%0.50%
$50,000 +0.60%0.60%

Vehicle Loan Rates

ProductAPR
New Auto (2018 and newer)as low as 5.29%
Used Auto (2013 - 2017)as low as 6.29%
Used Auto (2012 and older)as low as 9.29%

Recreational Vehicles

ProductAPR
New RV or Boat (2018 and newer)as low as 6.79%
Other new sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile)as low as 8.79%
Used RV or Boat (2013 - 2016)as low as 7.79%
Other used sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile) (2013 - 2016)as low as 9.79%
Used RV or Boat (2012 and older)as low as 10.79%
Other used sport craft (Dirt Bike, ATV, Jet Ski, Snowmobile) (2012 and older)as low as 12.79%

Signature Loans

ProductAPR
12 - 72 month terms availableAs low as 8.99%

Secured Loans

TermAPR
Term varies2.00% above the security rate

Home Improvement Loan

TermAPR
36 - 120 month terms availableAs low as 8.74%

Member’s Choice HELOC (Actual rates based on credit worthiness)

ProductAPR
Line of Credit - Up To 70% LTV 1st Lien or 50% LTV 2nd Lien12 Month Introductory Rate 4.49% APR* then Prime*-0.50%
Line of Credit - Up To 83% LTV12 Month Introductory Rate 4.99% APR* then Prime*
Line of Credit - Up To 95% LTV12 Month Introductory Rate 6.24% APR* then Prime* +1.25%

Low LTV Fixed Rate Home Equity

TermAPR
5-20 yearsAs low as 5.49%

Fixed Rate Home Equity up to 83% LTV

TermAPR
5-20 yearsAs low as 5.99%

Fixed Rate Home Equity up to 95% LTV

TermAPR
5-20 yearsAs low as 7.24%

Overdraft Protection

TermCurrent RateAPR
$48/month if balance is presentPrime + 10.00% Variable APR18.00%